When working in the real world, businesses can face real world problems. Check out some of our real world claim scenarios. Use our quick links below to navigate directly to the claim scenarios that you are interested in.

The information provided is for illustrative purposes only and does not amend or alter in any way the terms, conditions, exclusions and limitations of the policy delivered. Please consult the policy for exact terms and conditions.

 Commercial General Liability
 Employers Responsibility
 Commercial Auto Liability
 International AD&D and Medical - Employee
 Commercial Property and Business Income
 Kidnap & Extortion
 Marine Cargo Coverage for estimated annual premiums greater than $10,000


Commercial General Liability

Real World Claim Scenario	Solution
Bodily Injury Liability U.S.-based contractor accidentally tips stack of building materials at Colombian construction site, causing injuries to several workers of Bogota-based sub-contractor. Resulting lawsuits are not covered under contractor’s U.S. GL policy.	International Advantage® GL policy covers defense costs and judgment against U.S. firm.
Products Liability Metal disks manufactured by U.S. firm are made into bottle caps by German soda bottler. Cap blinds German child, whose family seeks damages from bottler and U.S. manufacturer. Lawsuit filed in German courts is not covered under U.S. firm’s GL policy.	International Advantage® GL policy insures U.S. business against costly settlement – pays court costs when case dismissed.
Premises Legal Damages On trip to South Africa, U.S. exec accidentally allows bathtub in rented high rise apartment to overflow. Resulting flood causes water damage to apartment and several floors below. Premises liability claim is not paid by employer’s U.S. GL policy, which covers loss by fire but not flood.	International Advantage® GL policy covers premises damage to rented apartment from all perils.
Contractors Liability U.S.-based contractor is hired to install equipment in Moscow offices of Russian customer. Contractor subs project to Russian firm with low limits of insurance; loss occurs. Lawsuit brought against U.S. firm by Russian customer not covered by contractor’s U.S. GL policy.	International Advantage® GL policy covers losses occurring in Russia and most other countries.
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Employers Responsibility

Real World Claim Scenario	Solution
Voluntary Compensation U.S. firm hires Mexican national to manage South American sales efforts. During prospecting call in Chile, Mexican national injures back in fall down flight of stairs. Mexican Social Security system does not cover work-related injuries sustained outside nation’s borders.	International Advantage® policy covers exec with work injury benefit, provided accident occurs on job.
Employers Liability U.S. contractor hires Australian heavy equipment operator for Middle East pipeline project. Crane malfunction lands Australian in hospital, where medical expenses are covered under local compensation plan. Worker brings multi-million dollar legal action against employer for negligent equipment maintenance.	International Advantage® policy covers U.S. firm for defense against employee’s suit.
Repatriation U.S. marketing manager on trip to China suffers broken hip and requires delicate operation to address life-threatening injuries. Evacuation to Hong Kong hospital is medically necessary for the employee to receive proper treatment.	International Advantage® policy pays repatriation costs under Executive Assistance® service.
Voluntary Compensation 1 U.S. CEO touring company facility in Vietnam sustains serious injuries in auto accident. Since victim is not subject to U.S. workers’ comp laws because of executive officer status, he has no coverage under his company’s domestic workers’ compensation policy.	International Advantage® covers CEO’s medical expenses via voluntary compensation plan, as long as employer chose to provide benefits prior to accident.
Voluntary Compensation 2 While stationed temporarily in Latin America, engineer for U.S.-based energy firm contracts Hepatitis B. Under employer’s domestic workers’ compensation policy, employee has no coverage for endemic disease.	Provided Hepatitis B is contracted in Latin America as result of employment, International Advantage® covers medical expenses.
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Commercial Auto Liability

Real World Claim Scenario	Solution
U.S. Driver Not Covered Under Japanese Policy American manager of Japan branch of U.S.-based business lends car to employee, also an American. Driver causes accident with car carrying Japanese family, resulting in serious injuries and lawsuit against U.S. firm. Event not covered by rental company’s policy.	U.S. firm’s International Advantage® difference-in-conditions coverage responds to lawsuit, provided vehicle is used for company business.
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International AD&D and Medical - Employee

Real World Claim Scenario	Solution
Non-occupational Illness Employee of U.S.-based IT firm travels to Australia to conduct audit in Sydney branch office. Worker suffers heart murmur in hotel room, is treated at local hospital, and pays bill with personal credit card. Back in U.S., employee’s HMO refuses reimbursement for extra-territorial medical treatment.	International Advantage® medical insurance covers expenses and/or out-of-network charges if employee’s does not, and guarantees payment to hospital.
Non-occupational Injury While in Japan to visit work site of U.S.-based employer, Israeli national slips and falls on wet floor in hotel lobby, injuring back and spine. Worker is taken to Japanese hospital, but has no coverage under Israeli national health plan.	Because employer has International Advantage® medical insurance, ACE office in Japan makes payments directly to hospital.
Non-occupational Illness U.K. exec of U.S.-based firm is hospitalized for pulmonary embolism while visiting New York for trade show. Employee’s medical coverage does not extend beyond U.K. borders.	International Advantage® medical insurance pays all incurred expenses, less deductible.
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Commercial Property and Business Income

Real World Claim Scenario	Solution
Commercial Property – Office Equipment U.S.-based service company maintains sales office in France. During severe thunderstorm, building’s windows are blown out and office equipment is damaged by torrential rains.	International Advantage® policy pays for property damage at covered location.
Commercial Property – Salesperson’s Samples Employee of U.S.-based medical instrument manufacturer travels to Tokyo for international industry trade show. As salesman attends opening reception, thief enters hotel room and steals samples worth $5,000.	International Advantage® policy reimburses employer for loss of samples.
Commercial Property – Cargo U.S.-based manufacturer ships approximately $1million in goods to Europe annually. Cargo ship carrying $25,000 shipment takes on water in high seas, resulting in loss of all merchandise aboard.	International Advantage® pays for all cargo losses sustained during shipment.
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Kidnap & Extortion

Real World Claim Scenario	Solution
Kidnapping Executive of U.S.-based retailer travels to Panama to visit company-owned facility. On way from airport to hotel by taxi, she is abducted and held for $500,000 ransom.	International Advantage® policy covers ransom money and related expenses as a result of kidnapping. ACE USA, via Neil Young Associates, provides expert security consultant to evaluate situation, advise on possible options, and coordinate crisis management.
Product Alteration Extortion U.S.-based manufacturer generates 25 percent of revenues from products sold in Europe. Spanish terrorist group contacts firm’s New York headquarters and threatens to contaminate goods in European supply chain unless company pays $1million.	International Advantage® policy reimburses extortion money paid by insured to deter terrorists from contaminating supply chain. ACE USA, via Neil Young Associates, provides priority crisis response and expert advice on managing incident to positive outcome.
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Marine Cargo Coverage for estimated annual premiums greater than $10,000

Real World Claim Scenario	Solution
Goods on Board Ocean-going Vessel U.S.-based manufacturer ships goods on regular basis to Europe. Fire breaks out in cargo ship’s hold, destroying manufacturer’s entire shipment of containerized goods.	ACE USA Commercial Marine Cargo policy pays for all losses to goods in transit.
Goods in Temporary Storage U.S.-based retailer imports retail goods for sale at various locations throughout United States. While shipment is in transit from overseas, goods are stored temporarily at stateside distribution center. Warehouse roof collapses under weight of heavy snow, damaging entire shipment.	ACE USA Commercial Marine Cargo policy pays for all damage to goods in transit.
Goods in Transit to Port for Shipment U.S.-based manufacturer ships high-end consumer goods on regular basis to all parts of world. Criminals hijack truck carrying goods to port facility for transport overseas, resulting in theft of entire shipment.	ACE USA Commercial Marine Cargo policy pays for all theft of goods in transit.
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